Do you have a Coversure Salonsure insurance policy underwritten by Covea for your salon or barbershop? If so, you must follow new rules to make sure you will be covered if you need to make a claim. This blog post covers:
- When do the new rules start?
- Why have these new rules been introduced by Coversure?
- What are the new Coversure rules?
- I don’t want to comply with all these rules. What can I do?
- I have insurance with another provider, do the new rules apply to me?
The new rules apply to:
- Coversure policies renewed after 1 January 2021.
- New Coversure policies taken out after 1 January 2021.
Insurance claims and large payouts have been on the rise and Coversure wants to make sure it can defend claims and reduce these large payouts where possible.
The new rules include:
- Allergy alert testing.
- Industry tests for bleaching and lightening.
- Backwash requirements.
- Staff training and qualifications.
- Saturday staff and assistants.
See more on these below:
You must carry out an allergy alert test on existing clients every six months (previously, this was every 12 months). Please note: you must follow the manufacturer's instructions/protocols if they state that allergy alert tests are required more often than every six months. You must comply with this or your Coversure insurance will not cover you.
You must always carry out an allergy alert test if you change:
- The product/brand.
- The manufacturer.
You must keep a written record of every test for at least six years. Each written record must be signed by the client.
- Recognised industry tests must be carried out before every service or treatment on both new and existing clients.
- You must keep a written record of every test for at least six years. Each written record must be signed by the client.
- All the information you need for doing industry tests is in our NHBF consultation, allergy alert and industry tests toolkit for hair salons and barbershops which is free to NHBF Members (£4.50 P&P).
- You must carry out a full consultation before starting any service or treatment that uses chemicals such as colour, bleach, lightener, perm or relaxer. The consultation must include an assessment of the condition of the hair and scalp.
- You must keep a written record of every consultation for at least six years. Each written record must be signed by the client.
Front wash basins or a purpose-designed neck rest cushion or pad must be used when washing a client’s hair.
Staff members must hold an appropriate nationally recognised qualification for each service and/or treatment they carry out.
Coversure also recognises ‘shop floor’ (also known as ‘time-served’) experience (continuing professional development) and training provided by manufacturers.
Saturday staff and assistants who wash clients’ hair must now be:
- studying for a hairdressing qualification; or
- independently assessed as capable of carrying out hair washing correctly; or
- qualified in the specific task of hair washing.
Your apprentice will be covered if they are supervised by a qualified member of staff or training provider.
If they are working without supervision, they must have:
- a unit accreditation (completion) in the service they are doing; or
- at least one year’s training towards a recognised hair and beauty qualification; or
- a level 1 qualification in hair and beauty.
You are free to change your insurance provider. But always make sure your policy will cover all the activities you carry out as part of your business.
Don’t forget: by following Coversure’s insurance requirements you can showcase your professional approach to health & safety as a responsible and trusted salon or barbershop. You will also be complying with the NHBF’s professional code of conduct for Members.
Many insurance providers are introducing stricter rules because of the amount of claims they are receiving. You must check with your provider if you are not sure what their requirements are.
If you use the NHBF consultation, allergy alert and industry tests toolkit, you must check that your insurance provider covers this.
If you use Colourstart’s allergy alert testing system, you must check that your insurance provider covers this.
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Need help with health & safety in your salon or barbershop? NHBF Members benefit from a comprehensive range of support and advice, including access to our free helpline and a generous discount on our comprehensive health and safety toolkits. Find out more.